San Diego, California Mortgage Rates

San Diego is one of the great coastal cities in California. A thriving housing market, a solid economy and plenty of things to do; San Diego is an ideal place to buy a home. If you are looking to purchase a home or refinance a current mortgage in San Diego please be sure to contact me directly for a no-cost/no-obligation quote. I have over 15 years of experience delivering low San Diego, California mortgage rates to homeowners throughout the San Diego area. Low rates, fast closings, and personal one-on-one service.

Helping Homeowners Achieve Their Dreams is not just a saying, it’s something my team fully believes in.

Mortgage Rates In San Diego, California:

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Jumbo Mortgage Rates

San Diego, California Mortgage Calculator:

Using our San Diego, California mortgage calculator to figure out your monthly mortgage payment is an essential part of buying a home or refinancing a current mortgage. Use our free San Diego, California mortgage calculator to help you determine what you can afford and if you have questions please don’t hesitate to ask!

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Living In San Diego:

San Diego, CA is the southernmost city in the State of California. It borders Mexico and home buyers and homeowners looking to refinance their current mortgage receive the same great low mortgage rates everyone else in California receives. San Diego is about 120 miles south of Los Angeles and is located on the Pacific Ocean’s coast.

San Diego, California mortgage rates

Large Population:

The city’s immense population— the eighth largest in the U.S. and the second-largest in California— is the result of several factors, including comfortable year-round weather and temperatures, plenty of access to beaches and parks, a strong economy, a diverse population, caring residents, a healthy housing market, and many, many sights and activities. San Diego is a family-friendly city and the opportunities to raise a family and have a good job are almost endless.

San Diego is a coastal city with 1.4 million people calling it home (surrounding areas included). The U.S. military has a large presence in San Diego and the Navy is one of the largest employers along with the University of California, San Diego, and Qualcomm. It isn’t enough to say that San Diego’s weather is gorgeous. Farmers’ Almanac, a farming journal that’s been continuously published since 1818, ranked San Diego among “The 10 Best Weather Cities.”

Warm Weather Most Of The Time:

On average, the city enjoys more than 200 days of seventy-plus-degree weather per year. Snow has been seen on the ground just a handful of times during the last century and a half when weather record-keeping became consistent. Besides pleasing locals and visitors and encouraging outdoor activity, San Diego’s uniquely excellent climate has allowed it to become a bastion for rare plants and animals; more animals on the Endangered Species List live in San Diego than any other American city.

Customer Focused

JB Mortgage Capital, Inc. is 100% focused on the customer experience. From loan application to closing you'll work directly with one person the entire time. This ensures for a better experience for the customer and a more efficient loan process.

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Low Mortgage Rates

Making sure we provide industry low mortgage rates is a focal point at JB Mortgage Capital, Inc. We understand the importance of saving money. From fixed rate mortgages to adjustable rate mortgages we offer low rates at great terms.

La Jolla Cove and The San Diego Zoo:

Of course, this weather makes San Diego’s beaches, parks, and outdoor destinations even more pleasant and enjoyable. La Jolla Cove is a breathtaking waterfront park that’s long been a favorite of locals, and Balboa Park, a massive, spanning public park that’s home to the world-famous San Diego Zoo, is most definitely worth checking out. Wave House and SeaWorld San Diego are fantastic water parks for visitors and locals of all ages, and the Torrey Pines State Natural Reserve is one of many San Diego spots that give visitors a chance to experience untouched nature. The USS Midway Museum, a remarkable museum upon the aircraft carrier Midway, is an educational and exciting place for families and individuals to visit.

Real Estate:

Real-estate wise, there’s a lot for homeowners (and potential homeowners) to appreciate in San Diego. The city’s median home price is more than $622,000, and about three-quarters of the city’s homes sell for $410,000 or more. About 65% of the city’s homes were built-in or after 1970—a point that demonstrates just how modern and up-to-date the area’s real estate is.

Mortgage rates in San Diego, California

San Diego Realtors:

Furthermore, SD’s potentially overwhelming real estate market can be easily sifted through, by both buyers and sellers, with the help of one of the city’s renowned real estate firms/pros. San Diego Realtor, SoldKey, Seth O’Byrne, Thomas Realtors, and Awesome San Diego are also worth reaching out to, whether you’re in the market to sell or to buy/rent a house, apartment, and/or commercial space.

Interior Designers:

Homebuyers and homeowners can achieve the layout they’ve dreamed of by consulting the services of San Diego’s high-quality interior designers, including, for instance, Simply Stunning Spaces, Tracy Lynn Studio, Robeson Design, and Blythe Interiors, and many others.

Education and Sports:

The San Diego Padres are the professional baseball team located in San Diego, and they used to have a professional football team as well (Chargers moved in 2017). San Diego is also home to some great universities including; the University of California, San Diego, San Diego State University and the University of San Diego.

Entertainment And Activities:

San Diego’s indoor destinations rival—or perhaps surpass—its outdoor entertainment options. The San Diego Museum of Art, the San Diego Museum of Natural History, and many other museums are worth visiting. And for days and nights when you’re not sure if you’d like to be outside or inside, you can split the difference and enjoy a live San Diego Padres baseball game at Petco Park. As San Diego’s only professional sports team, the Padres receive a lot of support and cheering when they win, and spirits can become pretty low when they come up short! Taken as a whole, San Diego is a beautiful, economically well-off city to live in, and that’s why millions of tourists decide to visit each and every year.

Low San Diego, CA Mortgage Rates:

Let’s face it, San Diego is one of the great cities to live in and it’s no surprise that so many people call this coastal city home. Great neighborhoods, the beach, family fun attractions, and a good economy are just some of the reasons why thousands of people call it home. Historically low mortgage rates in San Diego, California have enabled more people to buy homes in and around the area. This stable trend should continue as the economy continues to grow.

Additional California Cities:

If you’re looking for additional information on another California city please be sure to visit the main California Mortgage Company page.

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About Loan Officer Kevin O'Connor

About Loan Officer Kevin O'Connor

He is the founder and main contributor of He has over 15 years of experience as a Mortgage Loan Originator (MLO) and is a fully licensed with the state of California and the Nationwide Mortgage Licensing System (NMLS). He has a top rating with the Better Business Bureau and a top rating with Zillow. He continually delivers the results homeowners are looking for; low rates, fast closings and exceptional service: "Helping Homeowners Achieve Their Dreams"  CA DRE #01499872 and NMLS # 247447